1. Prioritize and decide how much you can (and should) actually spend.

Don’t start 2015 with bills you can’t pay. If you’ve already spent too much…it’s not too late to take it back and find something less costly. If you don’t…you may wish you did…come January when the bills come in.

2. Create an environment where Christmas presents are opened one at a time. . .savoring each moment. You spent money to create a memories. . .take time to enjoy them.